GpplUssier

A Visa card in Ireland, issued by an Irish bank works just like a Visa card anywhere else. It is an unsecured line of credit with a credit limit that could be as low as €500 or as high as €50,000 depending on your credit history and credit needs. Most retail establishments in Ireland accept Visa credit cards and Visa debit cards.

The interest rate you pay on your Visa credit card in Ireland will vary. Some cards will entice you with a low “teaser” rate for the first few months and then jump to a higher interest rate later. The interest rate you end up with after the teaser term is over will depend heavily on your credit history. The worse your credit history is, the higher the interest rate you will pay when you carry a balance on your Visa card.

Applying for an Irish Visa credit card is simple. It can be done over the Internet on application forms that appear on the websites of banks that offer a Visa credit card. Or you can go to the bank and ask for a form there. The amount of time it takes to approve or deny a credit card varies from a few days to a few weeks.  Read more...

There are 3 major credit bureaus that have information on your regarding your credit history. Anyone that has ever applied for a loan or credit of any kind has a file at one of the 3 major credit bureaus. Since merchants usually report to only one of the 3 major credit bureaus, you may have to request a free report from all three to get an overall look at your credit report.

To request a free credit report from either or all of the three major credit bureaus, all you have to do is to request a free report online. You can also send the request by mail and you have to provide all your personal information. There are sites that will charge you for a credit report from one of the 3 major credit bureaus, but it is necessary for you to know that by law you are entitled to one free credit report a year. You should contact the credit bureau directly to get your free report.

When you do receive your credit report from the 3 major credit bureaus there are certain sections of this report that you need to pay particular attention to. The first section details your name and address. You should check this to make sure that it is correct. If there are any inaccuracies in this section, you need to contact the credit bureau that sent the report with the correct information.  Read more...